Terms of Service
Last updated: 22 August 2026
1. Service Description
Miliki provides an AI-powered wealth diagnostic service. You answer 20 questions through a conversational interface, pay a one-time fee of KES 1,999 via M-Pesa, and receive a personalised wealth diagnostic report with a 90-day action plan.
2. Payment
Payment is processed via M-Pesa by a third-party payment processor. We are moving from IntaSend to Paystack; both are in place during the changeover. The fee of KES 1,999 is a one-time charge. No recurring subscriptions. To request a refund, email support@miliki.app within 7 days of payment if your report has not been generated; refunds are processed manually within 7 business days.
3. Report Accuracy
The wealth diagnostic report is generated by AI based on the information you provide. It is not financial advice. Miliki does not guarantee specific financial outcomes. Always consult a licensed financial advisor before making major financial decisions.
4. Your Data
Your assessment data and report are stored securely in Kenya, and we follow the principles of the Kenya Data Protection Act (2019). See our Privacy Policy for full details on data handling.
5. Account
You are responsible for maintaining the security of your account credentials. One account per person. Do not share your login or report with others.
6. Limitation of Liability
Miliki is provided “as is.” We are not liable for any financial decisions you make based on the report. Our total liability is limited to the amount you paid for the service (KES 1,999).
7. Governing Law
These terms are governed by and construed in accordance with the laws of Kenya. Any disputes arising from or relating to these terms or your use of Miliki shall be subject to the exclusive jurisdiction of the courts of Nairobi, Kenya.
8. Dispute Resolution
Before initiating any legal proceedings, you agree to first attempt to resolve any dispute by contacting us at support@miliki.app. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within 30 days, either party may pursue formal legal proceedings in accordance with Kenyan law.
9. Intellectual Property
Miliki owns the platform, the diagnostic method, the report template and the software behind them. You may not copy, resell or redistribute them.
What you own stays yours. The answers you give us are your data, and the report we generate for you is yours to keep. You may read it, download it, print it, and show it to anyone you choose — including a financial advisor, your family, or a lender. Paying for the report does not licence it back to you on conditions; it is yours. We do not claim ownership of your financial information, and we do not sell it.
10. Events Outside Our Control
Miliki depends on services we do not run — internet and mobile networks, payment processors, cloud hosting, and the AI provider that generates the report. If one of those fails, or if something genuinely outside our control prevents us from delivering (a natural disaster, a power or network outage, industrial action, or a change in law), we are not liable for the delay.
This is not a way out of paying you back. If we have taken your money and cannot deliver your report, you are entitled to a refund under section 2 regardless of the reason — including these ones.
11. Your Data If You Leave
You can close your account at any time from your settings. Before you do, you can download everything we hold about you as a machine-readable file (Settings → Download my data). We recommend doing that first, because closing the account is not reversible.
When you close your account we delete your assessment answers and your report. The one thing we keep is your payment records, which Kenyan financial record-keeping rules require us to retain for a minimum of seven years — those are kept for that purpose only. If you do not close your account, your report is kept for 24 months and is then removed only if you have also not signed in during that time. Full detail is in our Privacy Policy.
12. Contact
Miliki
Nairobi, Kenya
Email: support@miliki.app